Pension credit and other people...

oldbutnotout

Hi everyone, sorry this is my first post any help is much appreciated.

My daughter has just seperated with her husband and wants to move in with me. I own my house which is mortgaged and get a small amount of pension credit, how will it affect my pension credit if she and my grandson move in?

She earns over £20k but I don't know if that matters as we're not partners?

Please give me some advice I am lost

anmarj

they would be treated as non dep, and unless you get dla/aa then a non dep deduction will be applied, which looking at what you have put will be the highest amount "which is about £47 per week" - that is what she is expected to contribute towards the mortgage.

oldbutnotout

Thanks for the response, I've not long started claiming pension credit would I still be entitled as I only get a very small amount? I understand it would affect CTB or HB so will just have to work out how much she'll need to pay I don't get any other benefits just state pension.

anmarj

possibly not,if the amount includes the mortgage, althought the mortgage amount would remain in, the help "could be" wiped out by the non dep deduction and if you need the mortgage to be in the Pension Credit claim to get PC then it could stop it. (hope you understand, it's not always easy to put in writing!)

oldbutnotout

I think I understand. Sadly think I would have been better off not working my whole life and paying graduated pensions etc without the additional I paid, in 20% of which is taxed back, I would have got pension credits and additional benefits. Thanks for the advice.